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    • Hello all! I have a few very specific questions about Chex, Tele and EWS. I'm interested in opening a bank account that fits the criteria below. I'm hoping someone knows the answers. Here is a bit of applicable information that will help you answer my questions. I have nothing negative in my past as far as EWS/Chex/Tele. However, I have really bad credit. I currently reside in Florida.
      1. I know when your credit report/Chexs/EWS report is pulled by a specific bank; it leaves a record of that in the form of a hard or soft inquiry for 2 years for credit reports and 5 years for Chex/EWS.
      Meaning anyone who gets a hold of that report afterwords knows from the "inquiry history" which bank ran a check on me. Does Telecheck have an "inquiry history" on their report as well? I could not find any information online on that.
      If the answer is no then I'm ok with opening an account with a bank that does only a Telecheck. But I also wanted to know just in case......I looked at the "pinned threads" which lists which institution runs which check. However, there no information on accepting out of state/area residents. So my question is the following:
      2. Are there any  banks/CU's outside my state (FL) that will accept FL residents who also do not run any checks (Tele/Chex/EWS/credit report)? I'm ok with online only banks as well in case anyone knows of one that fits my criteria. I'm ok with them verifying my identity using my SS card/DL/passport etc. but I dont want to be ran in the systems mentioned above.
      3. Also, I looked at the pinned threads with a list of banks by state. I noticed that a lot of them say sometime along the lines of "they offer second chance checking" but doesn't specify any checks the bank/CU runs. Are these institutions ones that don't run any check if you open a 2nd chance checking or is the information not listed because its not known.
      • 6 replies
    • My searchfu doesn't seem to be working well these days as a search just on HSBC only yielded seven threads here...but I remember much discussion in years past,
      What is the current consensus on HSBC?  Years ago, I had the Weekender card but it went by the wayside when CrapOne entered the picture (I try to avoid their cards at all costs).  I was looking to add something else on the Mastercard network to try and even out my balance, and the 3% for the first year for the Cash Rewards card doesn't seem too horrid.  It drops to 1.5% after the first year, so it becomes a sock-drawer card at that point.  The no FTF fee is worthwhile from the standpoint of other options whilst traveling just because options are a good thing.  No annual fee.  
      Anyone with recent experiences care to chime in and potentially talk me off of the ledge? 
      • 41 replies
    • HI,
      I had a credit card with Bank of America that first went delinquent in 2013.  It was charged off a year later in 2014.  BoA still owns the debt and I have been slowly paying it off every month.  It's going to take me at least 3 more years to fully pay off this debt.  Later this year will be 7 years since this account first went delinquent.  Will this account be removed from my credit report even though it's not paid off?  Thanks for the help.
      • 15 replies
    • Could someone please tell me what this means in lame mans terms  Response I got on an ARB I submitted. 
      Dear Parties:
      Claimant has filed with us a demand for arbitration. We note that the arbitration clause provides for arbitration by the American Arbitration Association (“AAA”).
      Prior to the filing of this arbitration, the business failed to comply with the AAA’s policies regarding consumer claims. Accordingly, we must decline to administer this claim and any other claims between LVNV Funding LLC and its consumers at this time. These policies can be found on our web site, www.adr.org, in the Consumer Due Process Protocol (“Protocol”) and the Consumer Arbitration Rules (“Consumer Rules”), including the Costs of Arbitration.
      Accordingly, we have administratively closed our file and will refund any payment received by the filing party. According to R-1(d) of the Consumer Rules, should the AAA decline to administer an arbitration, either party may choose to submit its dispute to the appropriate court for resolution.
      If you believe we have declined this matter in error, please email ConsumerFiling@adr.org.
      Pursuant to the AAA’s current policy, in the normal course of our administration, the AAA may maintain certain electronic case documents in our electronic records system. Such electronic documents may not constitute a complete case file. Other than certain types of electronic case documents that the AAA maintains indefinitely, electronic case documents will be destroyed 3 months after the date of this letter.
      If LVNV Funding LLC advises the AAA in the future of its intention to comply with the AAA’s Consumer Arbitration Rules and if applicable, resolves any outstanding payment obligations, the AAA may consider at its sole discretion, accepting newly filed consumer cases going forward. Therefore, if the business wishes for the AAA to consider accepting consumer disputes going forward, the business must, at a minimum, register its clause on the Consumer Clause Registry on our website, www.adr.org/clauseregistry. Upon completion of the registration process and confirmation from the AAA that the business is now active on the Consumer Clause Registry, the business is responsible for informing all parties that Claimant may re-file their claim.
      • 23 replies
    • Well after many years of enjoying good credit and all that it afforded me I'm here. I repaired my once damaged credit and purchased a home for myself and my son. That was in 2014. Present day I am at the cusp of filing bk. I met with the attorneys office yesterday and went over everything with the paralegal. My home was purchased for $87k in 2014. It currently has a market value of supposedly $170k. I am way over my head in credit card debt due to severing ties with my long term boyfriend. We lived together and accumulated debt together, but it was in my name. After deciding it would be best for my mental health that he move out I am now stuck with the feeling that no matter how much I work I'm can't breathe. So now I'm here standing with overdue credit cards, a few months behind on my mortgage and being served by NASA FCU. I currently have $90k of debt which includes student loans.  Please give me your honest opinions. After going through everything with the paralegal I qualify for Chapter 13 due to the equity in my home. I in no way intended to not pay my debt. I take pride in keeping my nose clean and having repaired my few mistakes from my younger years I feel terrible. If I proceed with the Chapter 13 I'll be repaying for five years. I'll be able to keep my home as well. I was wondering what your thoughts are regarding letting the house go and filing Chapter 7? I ask because I work two jobs now. I go to school, but can't fully commit to school due to my bills. If I had the opportunity to complete my program I would be able to financially provide and save. At this point I'm not paid enough and it won't ever be enough. So I was thinking the Chapter 7 would allow me to complete school, start anew and save. Chapter 13 would allow me to keep my house and that's it. Technically, I can pay my mortgage up this month and it not be the issue. The issue is all the credit card debt that I can't keep up with.  Also, the fact that I'm being sued. I know that I could set a payment plan up with the lawyer, but there are so many others that could sue. I also know that I won't find another home for as low as I currently have. My mortgage is cheap in comparison to the current market. Any input would be greatly appreciated. 
      • 25 replies
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